Tag Archive for 'Money'

Money Confessions, Highs and Lows

One of the more addictive features that the team has rolled out is the Money Confessions section where people can either publicly declare something or mutter behind the cloak of anonymity. Some of them are outright funny, like musing if buying a hooker a car is a bad idea, but sometimes they are heart wrenching displays of humanity.

Money Confessions

It is that combination of irreverence and poignancy that makes the feature so addictive to follow.

Five Malleable Goals for 2008

Seems that this time of year most people have plenty in common with the UN and Congress what with all the non-binding resolutions being passed. Since I’m not one to be left out I’ve decided to make some tentative and malleable goals for myself this year.

Learn more about photography.
It has taken me about six months and some 8,000 pictures to finally get a decent idea about the relationship between aperture and shutter speed. Hopefully, in the next six I can greatly improve my technical skills with the camera and start producing pictures of at least average to middling quality.

Broaden my musical horizons.
Not that I have been one to stick to a narrow list of genres or a limited stable of artists but I have this nagging feeling that more music is out there which I really need to hear. In the last couple of months I have been making a concerted effort to widen the scope of my purchases, spending less time the comfortable habits of rock or electronic and instead trying to discover Modern Classical, deeper Jazz cuts, Folk, and the wealth of music that Africa offers. This year I would like to continue spreading my purchases every month across as many new artists and genres as possible.

Read more books.
Before the baby I managed to knock back some two books a month, not as fast as I know I am capable but quick enough that I don’t feel like I am only accomplishing a page a week. Now Reading is telling me I managed a book a month last year, decent but I have some 76 books still to go and at this rate Gabi will be in a nursing home by the time I finish. This year I would like to close the laptop and get in a good hour of reading before bed each and every night.

Spend more time just being.
Having a baby is much like a personal black hole whose gravity is so great that time bends and accelerates as it is pulled to the center. Add a job which I love so much that I find myself letting it wash over me to fill the spare moments of my day leaving nothing left over. This year I want to regiment my days better, which gets back to those top three goals, in that I leave time for myself to recharge so that I don’t feel like so much Vampire chow.

Manage our money more wisely.
We were foolish early in our marriage, running up unsecured debt, saving nothing, and spending everything. It took us several hard and lean years to dig ourselves out of that hole but we have and these days we live strictly on cash, the only debt we carry is the house, the car, and my student loans and each month we move to the next remaining in the black/ What of savings though? Retirement? College? Those are still gaps. This year I want to get even better with watching our spending habits, correcting them when necessary, and planning for 1-5-15-20 year goals. It certainly helps that I work for a company building the tools that I need but they can only carry me so far, the rest is up to me.

A Birthday Wish For Me…

On my thirty-third birthday I want to quit my job. Not because I hate it or that it is a cesspool of unbearable personal politics, it is actually a great place to work. No I want to quit because I’m just tired of working the 8-5 grind. So I bought myself a cheap gift this morning after filling up the car with gas: a Powerball ticket.

Powerball is up to $205 million and the lump sum payment is $100 million and after the tax man takes his share that leaves about $40 million. I would take that remainder and invest it and live off a conservative return of 2.5% or approximately $400k after taxes. Just enough to be comfortable.

Never would I work again. Rather, I would go back to school and pursue my doctorate, maybe studying the intersection of technology and social groups with a focus on small group theory. The remainder of my time I would spend with my daughter as she grows up.

At the very least that dollar was well spent on day dreams.





Creative Commons Attribution-NonCommercial-ShareAlike 3.0 United States
Creative Commons Attribution-NonCommercial-ShareAlike 3.0 United States